Get Your Free AI Debt Analysis
Our AI analyzes your debt across 50+ Canadian lenders — finds the rate you actually qualify for. Free. 2 minutes.
Analyzed by AI, verified by licensed brokers.
Get Your AI Debt AnalysisBoC Overnight Rate
—
Best Consolidation Rate
4.5%
Next BoC Decision
Wednesday, June 3, 2026
46 days
AI-Powered
AI Debt Analysis Calculator
Enter your debts and home details. Our AI scans 50+ lenders, compares rates, and finds your match — in under 2 minutes.
Real Results
By The Numbers
Our Process
How the AI Analysis Works
Enter Your Debts
2 minutes — no credit check
- Add your debts: credit cards, loans, lines of credit
- Enter home value and mortgage balance
- Your credit score helps AI match the right lender tier
AI Scans 50+ Lenders
Instant analysis across Canada
- AI compares rates from banks, credit unions, and private lenders
- Matches your credit tier to the best available products
- Calculates exact savings: current payments vs. consolidated
See Your Personalized Savings
AI shows you the real numbers
- Side-by-side comparison: before vs. after consolidation
- Total interest saved over the life of the loan
- Monthly cash freed up — your exact dollar savings
Broker Verifies & Connects
AI analysis, human expertise
- A licensed broker reviews your AI analysis
- Confirms rates and walks you through next steps
- Goal: lower rate at every renewal until prime
Takes 2 minutes. No credit check required.
Ongoing AI Insights
Your AI Debt Dashboard
Create a free account and get ongoing AI-powered insights — not just a one-time calculation.
Rate Watch
Monitor the Bank of Canada rate and see exactly how changes affect your monthly payment in real time.
Lender Match
See which of 14+ Canadian lenders you qualify for based on your credit tier, with estimated payments.
Personalized Updates
Get province-specific articles, equity tracking, and progress charts tailored to your situation.
Latest Insights
From the Blog
Manitoba's 1% Down Payment Program: What It Means for Homeowners Carrying Consumer Debt
A Manitoba town launches Canada's most aggressive homeowner assistance program with just 1% down payments, highlighting how home equity remains the most powerful tool for debt consolidation even as housing affordability challenges persist.
Why Paying Down Your Mortgage Early Could Hurt Your Financial Flexibility
New analysis shows aggressive mortgage payments may limit your options for dealing with high-interest consumer debt, especially when home equity could provide better breathing room.
Housing Starts Drop 6% in March: What Slowing Construction Means for Your Home Equity
New data shows Canada's housing starts fell 6% in March, potentially impacting home values and equity growth across key provinces where most debt consolidation clients live.
Get Your AI Debt Analysis
Our AI analyzes your situation instantly. A licensed broker verifies your results and walks you through your options.
FAQ
Common Questions
What is debt consolidation through home equity?
Debt consolidation uses the equity in your home to pay off high-interest debts (credit cards, loans, etc.) and replace them with a single, lower-rate mortgage payment. This can save you hundreds per month.
Do I need good credit to qualify?
No. We've helped families across all credit tiers — from 550+ to 780+. The median credit score among families we've helped is 649. Different lenders serve different credit tiers, and we match you to the right one.
How much can I actually save?
Based on helping over 276 Canadian families, the average monthly savings is $500–$1,000+. Your exact savings depend on your debt amount, current interest rates, credit score, and available equity.
Is this a free service?
Yes. Our calculator and analysis tools are 100% free, with no credit check required. If you proceed with a consolidation, the mortgage broker fee is typically built into the lender rate — no out-of-pocket cost to you.
Who is Blue Pearl Mortgage Group?
All mortgage services on DebtTools.ca are provided under the brokerage licence of Blue Pearl Mortgage Group Inc. (BCFSA #X300317). We operate under their licence to ensure full regulatory compliance.
Which provinces do you serve?
We primarily serve homeowners in British Columbia, Alberta, Ontario, Saskatchewan, and Manitoba — where the majority of the 276+ families we've helped are located.
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